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Privacy Policy
At Wickeroo, your financial privacy is our top priority. This Privacy Policy explains how we collect, use, and protect your information when you use our services to manage your finances.
At Wickeroo, your financial privacy is our top priority. This Privacy Policy explains how we collect, use, and protect your information when you use our services to manage your finances.
1. Information We Collect:
To help you make better financial decisions, we collect information that falls into two categories:
Personal Information: Your name, email address, phone number, and any profile information you provide during sign-up.
Financial Information: Through our secure partners, we access read-only data from your linked bank accounts, including:
Account balances.
Transaction history (dates, amounts, and merchants).
Account types (checking, savings, credit cards).
Investment holdings (if applicable).
Important: We do not store your bank login credentials (usernames or passwords). These are handled entirely by our secure data partners (like Neotek & LeanTech).
2. How We Access Your Bank Accounts:
We use industry-standard APIs to connect to your financial institutions.
Read-Only Access: Our access is strictly limited to viewing your data. Wickeroo cannot move money, make payments, or alter your bank settings.
Authorization: You can revoke our access to your bank accounts at any time through the app settings or by contacting your bank directly.
3. How We Use Your Data:
We use your information to provide a personalized financial experience, specifically for:
Financial Insights: Categorizing spending and identifying savings opportunities.
Decision Support: Providing recommendations on budgeting, debt repayment, or investments.
Alerts: Notifying you of unusual activity, low balances, or upcoming bills.
Security: Detecting and preventing fraudulent activity.
4. Sharing Your Information:
We do not sell your personal or financial data to third parties. We only share information in the following circumstances:
Service Providers: We work with trusted partners (e.g., cloud hosting, data aggregators) who help us run the app.
These partners are contractually bound to protect your data.
Legal Requirements: If required by law, we may disclose information to comply with a subpoena or similar legal process.
Anonymized Data: We may use aggregated, non-identifiable data for research or to improve our financial algorithms.
5. Bank-Level Security:
We protect your data using the same standards as major banks:Encryption: All data is encrypted in transit and at rest using AES-256 and TLS protocols.
Multi-Factor Authentication (MFA): We require extra layers of security to ensure only you can access your account.
Third-Party Audits: We regularly undergo security assessments to ensure your data remains safe.
6. Your Rights and Choices
You are in control of your data.
You have the right to:
Access: Request a copy of the data we have on file for you.
Delete: Request that we delete your account and all associated data.
Unlink: Disconnect your bank accounts at any time.
7. Contact UsIf you have questions about this policy or how we handle your financial data, please reach out to our Privacy Team: Email: support@wickeroo.com